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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,098 | $87,106-49.4% | $105,607-58.2% | $80,935-45.5% |
| Participation rate | 97.6% | 70.4%+27.2pp | 75.3%+22.3pp | 67.7%+30.0pp |
| Annual return | 22.46% | 17.01%+5.5pp | 116.11%-93.6pp | 35.66%-13.2pp |
| Employer contribution / active EE | $4,288 | $2,396+79.0% | $3,167+35.4% | $2,757+55.6% |
| Participant deferral / active EE | $3,918 | $3,986-1.7% | $5,011-21.8% | $4,299-8.9% |
| Admin fee / account holder | $4,651 | $8,447-44.9% | $10,958-57.6% | $6,924-32.8% |